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All Journal Ahkam: Jurnal Ilmu Syariah Jurnal Akuntansi Muhammadiyah LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Ihtiyath : Jurnal Manajemen Keuangan Syariah Indonesian Journal of Global Health research J-ISCAN : Journal of Islamic Accounting Research Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH Proceedings of Femfest International Conference on Economics, Management, and Business Advances In Social Humanities Research Jurnal Pengabdian Masyarakat ISEI Al-Mudharabah Proceedings of Femfest International Conference on Economics, Management, and Business Jurnal Ekonomi Manajemen dan Sekretari
Hasnita, Nevi
Univeritas Islam Negeri Ar-Raniry
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences

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Customer’s Perception and Service Quality on Mobile Banking Usage Nevi Hasnita; Ana Fitria; Riza Aulia; Mira Dira Darmah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The evolution of technology necessitates that banking creates an innovative and useful product for customers, such as mobile banking. This study examines the impact of perception and service quality on mobile banking usage through a quantitative methodology with a sample size of 100 respondents and the method of multiple regression analysis. Partial test results indicate that perceived benefits, perceived convenience, and service quality influence customer interest in mobile banking, however, perceived risk has no significant effect. The simultaneous test indicates that all variables have a favorable effect on client interest in mobile banking.
Pengaruh Label Halal dan Religiusitas terhadap Keputusan Pembelian Produk Kosmetik di Kota Banda Aceh Indina Tazkiya Lubis; Muhammad Yasir; Nevi Hasnita
Jurnal Ekonomi Manajemen dan Sekretari Vol. 9 No. 2 (2024): AGUSTUS 2024
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemensri.v9i2.1140

Abstract

This study aims to analyze the influence of halal labeling and religiosity on purchasing decisions for beauty products, as well as to examine the moderating role of gender in the functional relationship between these two variables. The research sample consists of 100 cosmetic product users in Banda Aceh, selected through purposive sampling. Data collection was carried out using an online questionnaire, and the data were subsequently analyzed using multiple linear regression and moderated regression analysis. The study found that both halal labeling and religiosity have a positive and significant effect on purchasing decisions for cosmetic products. The greater the importance consumers place on halal labeling and the higher their level of religiosity, the more likely they are to purchase cosmetic products
Pembiayaan Usaha Rakyat Terhadap Pertumbuhan Usaha Non- Muslim: Studi Empiris di Kota Banda Aceh Cut Rizka Kamila; Hafas Furqani; Nevi Hasnita
Jurnal Ekonomi Manajemen dan Sekretari Vol. 9 No. 1 (2024): APRIL 2024
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemensri.v9i1.2965

Abstract

Islamic banks whose operations are based on sharia principles offer financing products that not only attract Muslims but also attract non-Muslims. One of the financing products available at BSI is the People's Business Credit (KUR). The purpose of this research is to see how the implementation, the role of financing, and the views of non-Muslims towards KUR financing. This research is a qualitative research. The results of the study found (1) the implementation of financing at BSI KCP Peunayong 3 using a murabaha contract, the concept of murabaha contract is used through a murabaha bil wakalah contract. The customer selection procedure uses the 5 C principle (Character, Capital, Capacity, Collateral, and Condition). (2) The role of business financing applied by Bank Syariah Indonesia KCP Peunayong 3 brings benefits to the community, especially to non-Muslim entrepreneurs who take financing at the BSI. It can be seen from the growth of non-Muslim businesses that have increased turnover from 10% - 30% after taking KUR financing, customer growth has increased by 20% -50% and labor has increased insignificantly. (3) Opinions of non-Muslim entrepreneurs on KUR financing at BSI KCP Peunayong 3, namely: The principle of speed of process, the principle of justice, the principle of convenience.
JURIDICAL REVIEW OF GOLD INSTALLMENT FINANCING AT INDONESIAN ISLAMIC BANKS IN THE CONTEXT OF MURABAHAH M.Khairuzzadi; Nevi Hasnita
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v6i1.8359

Abstract

The development of gold installment products in sharia banking has become a popular investment alternative among the public, as it is considered safe, stable, and in accordance with sharia principles. This research aims to determine the mechanism for financing gold installments based on murabahah contracts, analyze the legal basis used, and identify the obstacles faced by both banks and customers. The research method employs an empirical juridical approach, utilizing descriptive qualitative analysis. Primary data was obtained through interviews with the bank (gold installment financing section and tellers) and eight customers, while secondary data came from literature, journals, and related regulations. The research results indicate that the gold installment financing mechanism at BSI is implemented through a murabahah contract, where the bank purchases gold from an authorized supplier and then resells it to customers, earning a profit margin agreed upon at the outset. This process is transparent and easy to understand. From a legal perspective, this financing is guided by DSN-MUI fatwa no. 21/DSN-MUI/IV/2001, OJK regulations, as well as internal bank regulations, so that they are free from elements of usury, gharar, and maisir. Obstacles that arise include delays in installments due to customers' financial conditions and a lack of understanding among some customers regarding the differences between sharia and conventional products. The bank handles this with education, reminder services, and restructuring options without fines. Thus, gold installment financing at BSI is proven to be in accordance with Sharia principles, provides a sense of security, and is beneficial for customers
Assessing the Effectiveness of al-Qarḍ al-Ḥasan Financing  (A Case Study of Baitul Misykat Microfinance Institution in Aceh) Hasnita, Nevi; Ayumiati, Ayumiati; Isnaliana, Isnaliana; Aini, Intan Qurratul; Amanatillah, Dara
AHKAM : Jurnal Ilmu Syariah Vol. 25 No. 1 (2025)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v25i1.45586

Abstract

Al-qarḍ al-ḥasan, a non-profit Islamic financing model, holds great potential in empowering marginalized communities. However, its practical implementation and long-term sustainability within Islamic microfinance institutions (IMFIs) remain limited in research, particularly in terms of integrating non-economic elements, such as spirituality. This study analyzes the effectiveness of al-qarḍ al-ḥasan financing implemented by Baitul Misykat in Aceh, with a focus on spiritual development as a key strategy for economic empowerment. Using a qualitative phenomenological case study approach, data were collected through in-depth interviews, field observations, and document analysis. Findings show that al-qarḍ al-ḥasan's financing significantly contributes to the economic empowerment of small traders. Effectiveness is influenced by four interrelated factors: strict beneficiary selection, continuous business monitoring, innovative non-monetary repayment incentives, and integration of spiritual development programs. These elements foster borrower discipline, ethical conduct, and business sustainability. The involvement of government officials, religious leaders, and economists enhances institutional capacity and community confidence. This study introduces a novel perspective by demonstrating how spiritual mechanisms can be synergized with Islamic finance to shape ethical entrepreneurial behavior. It offers a scalable and replicable model for IMFIs, suggesting that integrating ethical-spiritual education into financial systems may support poverty alleviation and inclusive development strategies in Muslim-majority societies.   Abstrak Al-qarḍ al-ḥasan, sebagai model pembiayaan sosial, memiliki potensi besar dalam memberdayakan komunitas marjinal. Namun, implementasi praktis dan keberlanjutannya pada lembaga keuangan mikro syariah (LKMS) masih minim kajian, terutama terkait integrasi aspek non-ekonomi seperti spiritualitas. Studi ini menganalisis efektivitas pembiayaan al-qarḍ al-ḥasan yang diterapkan oleh Baitul Misykat di Aceh, dengan fokus pada pengembangan spiritual sebagai strategi utama dalam pemberdayaan ekonomi. Menggunakan pendekatan studi kasus fenomenologis kualitatif, data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan analisis dokumen. Hasil penelitian menunjukkan bahwa pembiayaan al-qarḍ al-ḥasan secara signifikan berkontribusi terhadap pemberdayaan ekonomi pedagang kecil. Efektivitasnya dipengaruhi oleh empat faktor yang saling berkaitan: seleksi penerima manfaat yang ketat, pengawasan usaha yang berkelanjutan, insentif pelunasan non-moneter yang inovatif, dan integrasi dengan program pengembangan spiritual. Unsur-unsur ini mendorong kedisiplinan, perilaku etis, dan keberlanjutan usaha. Keterlibatan pemerintah, tokoh agama, dan ekonom turut memperkuat kapasitas lembaga dan kepercayaan masyarakat. Studi ini menghadirkan pendekatan baru dengan menunjukkan bagaimana pembinaan spiritual dapat disinergikan dengan pembiayaan syariah untuk membentuk perilaku kewirausahaan yang etis. Temuan ini menawarkan model kebijakan yang dapat dikembangkan dan direplikasi oleh LKMS, serta menunjukkan bahwa integrasi pembinaan etika-spiritual dalam sistem keuangan dapat mendukung strategi pengentasan kemiskinan dan pembangunan inklusif di masyarakat  Muslim.
PEMANFAATAN TEKNOLOGI DALAM PENGEMBANGAN PRODUK TABUNGAN DAN PENGARUHNYA TERHADAP PENINGKATAN NASABAH PADA PT. BANK SYARIAH INDONESIA KC ACEH Hasnita, Nevi; Fitria, Ana; Maidari, Elisa
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17196

Abstract

Bank Syariah Indonesia’s product development entails the application of technology to the creation of product features for Wadiah and Mudharabah savings products, particularly the online account opening method. The purpose of this study was to establish the form of product feature development implemented by Bank Syariah Indonesia KC Aceh, as well as the impact of product development on client acquisition. This research use descriptive qualitative methodology. According to the findings of the study, Bank Syariah Indonesia’s product development may be categorized as modification and growth of product lines and complementary items. The results also indicate that the creation of this product was successful, as evidenced by the increase in the number of new Bank Syariah Indonesia clients who take advantage of the product's new features. In the first year after the launch of this feature in 2020, the number of customers increased by 15,992 or 96.58% compared to the previous year's total of 8,135 clients. This demonstrates that the usage of technology in Bank Syariah Indonesia’s product development has a favorable influence on customer growth.
ANALISIS PENGARUH DANA PIHAK KETIGA DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2017 – 2021 Jannah, Khufwatul; Hasnita, Nevi; Iskandar, Evy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25428

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga dan Capital Adequacy Ratio terhadap profitabilitas pada Bank Syariah Indonesia (BSI) Periode 2017- 2021. Penelitian ini menggunakan pendekatan kuantitatif dari data laporan keuangan di BSI periode 2017-2021. Data diolah dengan SPSS dan dianalisis regresi linear berganda untuk menguji hipotesis penelitian. Berdasarkan hasil pengujian hipotesis dengan tingkat signifikansi 5%, maka secara parsial tidak terdapat pengaruh Dana Pihak Ketiga (DPK) terhadap profitabilitas, sedangkan Capital Adequacy Ratio (CAR) berpengaruh secara parsial dan signifikan terhadap profitabilitas pada BSI periode 2017-2021. Hasil secara simultan kedua variabel DPK dan CAR berpengaruh dan signifikan terhadap profitabilitas pada BSI periode 2017-2021.
PENGARUH PENGETAHUAN, KEPERCAYAAN, DAN PELAYANAN TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT DI BAITUL MAL KOTA BANDA ACEH Irwanda, Muhammad Luthfi; Hasnita, Nevi; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25543

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pengetahuan, kepercayaan, dan pelayanan terhadap minat muzakki membayar zakat di Baitul Mal Kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data regresi linier berganda. Data penelitian ini menggunakan data primer dalam bentuk kuesioner dengan pengolahannya menggunakan SPSS 23. Pengujian hipotesis dilakukan dengan uji parsial (uji-t) dan uji simultan (uji-F) dan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial pengetahuan dan pelayanan tidak berpengaruh terhadap minat muzakki membayar zakat, sedangkan kepercayaan berpengaruh positif dan signifikan terhadap minat muzakki membayar zakat. Secara simultan pengetahuan, kepercayaan, dan pelayanan berpengaruh dan signifikan terhadap minat muzakki membayar zakat pada Baitul Mal Kota Banda Aceh.
PENGARUH KUALITAS PELAYANAN DAN PENANGANAN KELUHAN TERHADAP LOYALITAS NASABAH BANK SYARIAH INDONESIA CABANG BANDA ACEH DAUD BEUREUEH 2 Tarigan, Ismail Rasyid Ridla; Hasnita, Nevi; Pelin, Binti Mas
Jurnal Akuntansi Muhammadiyah (JAM) Vol 13, No 1 (2023): Edisi Januari - Juni 2023
Publisher : University Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jam.v13i1.1781

Abstract

Loyalitas merupakan sebuah komitmen yang kuat seseorang terhadap produk atau jasa suatu perusahaan yang bertahan dalam jangka panjang. Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan dan penanganan keluhan terhadap loyalitas nasabah Bank Syariah Indonesia Cabang Banda Aceh Daud Beureueh 2. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis Regresi linear berganda untuk membuktikan hipotesis. Hasil penelitian menunjukkan kualitas pelayanan sebesar 1,414 < 1,984 dan penanganan keluhan sebesar 6,328 > 1,984. Artinya secara parsial kualitas pelayanan tidak memiliki pengaruh terhadap loyalitas nasabah, sedangkan variabel penanganan keluhan berpengaruh positif terhadap loyalitas nasabah. Secara simultan kualitas pelayanan dan penanganan keluhan diperoleh sebesar 58, 739 > 1,984, secara bersama-sama berpengaruh terhadap loyalitas nasabah.
ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Muksal, Muksal; Nevi Hasnita; Putri Nazirah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5765

Abstract

ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Abstract Purpose: This study aims to assess the level of literacy and inclusion of Islamic finance in the city of Banda Aceh following the implementation of Qanun No. 11 of 2018 on Islamic Financial Institutions. The research seeks to contribute insights into the impact of regulatory measures on financial literacy and inclusion in a region with a specific focus on Islamic finance. Design/methodology/approach: A descriptive qualitative method employing a questionnaire was used to gather data for this study. The research analyzed the responses to evaluate the changes in Islamic financial literacy and inclusion among the residents of Banda Aceh. Findings: The results indicate a notable increase in Islamic financial literacy from 71.99% to 89.70%, accompanied by an Islamic financial inclusion rate of 83.4%. Categorizing these results according to Chen and Volpe's criteria, the Islamic financial literacy and inclusion in Banda Aceh City fall into the high category. The findings underscore the positive impact of Qanun No. 11 of 2018, suggesting an enhanced understanding of Islamic financial concepts among the residents. Research limitations/implications: While the study provides valuable insights, it is essential to acknowledge some limitations. The research focuses on a specific geographic location, and the results may not be generalizable to other regions. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Practical implications: The findings of this study emphasize the importance of improving Islamic financial literacy. Residents of Banda Aceh City are encouraged to enhance their knowledge of various financial topics, including budgeting, investing, credit, insurance, and retirement planning. Increased financial literacy can empower individuals to make more informed decisions when utilizing services and products offered by financial institutions. Keywords: Literacy; inclusion, Islamic Finance TINGKAT LITERASI DAN INKLUSI KEUANGAN SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengkaji tingkat literasi dan inklusi keuangan syariah di Kota Banda Aceh pasca penerapan Qanun No. 11 Tahun 2018 tentang Lembaga Keuangan Syariah. Penelitian ini bertujuan untuk menyumbangkan wawasan tentang dampak langkah-langkah pengaturan terhadap literasi dan inklusi keuangan di suatu wilayah dengan fokus khusus pada keuangan Islam. Desain / metodologi / pendekatan: Metode kualitatif deskriptif menggunakan kuesioner digunakan untuk mengumpulkan data untuk penelitian ini. Penelitian ini menganalisis tanggapan untuk mengevaluasi perubahan literasi dan inklusi keuangan Islam di antara penduduk Banda Aceh. Kesimpulan: Hasilnya menunjukkan peningkatan literasi keuangan syariah yang signifikan dari 71,99% menjadi 89,70%, disertai dengan tingkat inklusi keuangan syariah sebesar 83,4%. Mengkategorikan hasil ini sesuai dengan kriteria Chen dan Volpe, literasi dan inklusi keuangan syariah di Kota Banda Aceh termasuk dalam kategori tinggi. Temuan ini menggarisbawahi dampak positif Qanun No. 11 tahun 2018, menunjukkan peningkatan pemahaman tentang konsep keuangan syariah di kalangan warga. Keterbatasan / implikasi penelitian: Meskipun penelitian ini memberikan wawasan yang berharga, penting untuk mengakui beberapa keterbatasan. Penelitian ini berfokus pada lokasi geografis tertentu, dan hasilnya mungkin tidak dapat digeneralisasikan ke wilayah lain. Selain itu, penelitian ini bergantung pada data yang dilaporkan sendiri, yang mungkin tunduk pada bias responden. Implikasi praktis: Temuan penelitian ini menekankan pentingnya meningkatkan literasi keuangan syariah. Warga Kota Banda Aceh didorong untuk meningkatkan pengetahuan mereka tentang berbagai topik keuangan, termasuk penganggaran, investasi, kredit, asuransi, dan perencanaan pensiun. Peningkatan literasi keuangan dapat memberdayakan individu untuk membuat keputusan yang lebih tepat ketika memanfaatkan layanan dan produk yang ditawarkan oleh lembaga keuangan. Kata kunci: Literasi; inklusi, Keuangan Islam
Co-Authors Abrar Amri Aini, Intan Qurratul Al Harits , Muhammad Amanatillah, Dara Ana Fitria Analiansyah Ayumiati, Ayumiati Azimah Dianah Azis Sali Husin Azra Masturah Binti Mas Pelin Cahyani, Aulia Dwi Oktavia Cut Rizka Kamila Dara Amanatillah Dian Muzerika Evriyenni Evy Iskandar Fachmi Ichwansyah Faisal bin Abdurrahman Fajar Rezky Maulana Febrina Rezky Hafas Furqani I, Isnaliana Inayatillah Djakfar Indina Tazkiya Lubis Irfani, Ahmad Irwanda, Muhammad Luthfi Ismail Rasyid Ridla Tarigan Ismuadi Ismuadi Ismuadi Isnaliana Isnaliana Israk Ahmadsyah Jalaluddin Jalaluddin Jannah, Khufwatul M.Khairuzzadi Maidari, Elisa Mardiaton, Mardiaton Maya Listanti Meutia Zahara Mira Dira Darmah Mohammad Haikal Muhammad Afrianda Muhammad Al Harits Muhammad Yasir Muhammad Yasir Yusuf Mukhsin Nyak Umar Muksal Muksal Munthasar Munthasar Nadia , Sarah Novtari Isda, Milda Nurhaliza Nurhaliza Nurlaila Nurlaila Ona Suarnidar Palevy, Muhammad Reza Pelin, Binti Mas Putra, Ihdina Putri Nazirah Rahmah Yulianti, Rahmah Ramadhani, Natasya Ridla, Ismail Rasyid Ridwan Nurdin Riza Aulia Rony, Zahara Tussoleha Said Usman Sarah Nadia Yulindawati Yulindawati Zakiiya, Ghulaman Zyaul Fitra